Central Penn Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 32.45 percentage points lower than in Q1 2026, at 77.39%. Central Penn Bank & Trust ranks 17th of 109 Pennsylvania banks on return on assets, in the upper half at 1.60% (Q2 2026). Central Penn Bank & Trust reported 1.60% on return on assets for Q2 2026, 0.32 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 9.82% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.39% |
| Non-performing assets ratio | 1.01% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 10.61% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 77.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 16.55% |
| Net interest margin | 4.30% |
| Efficiency ratio | 49.28% |
| Yield on earning assets | 5.88% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.48% |
| Core deposits to total deposits | 91.63% |
| Brokered deposits to total deposits | 1.00% |
| Deposits to assets | 88.50% |
| Securities to assets | 17.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.28% | 0.81% | 2.77% | 0.38% | -0.00% |
| Q4 2023 | 10.09% | 0.42% | 2.88% | 0.36% | 0.01% |
| Q1 2024 | 10.25% | 0.94% | 2.94% | 0.36% | 0.00% |
| Q2 2024 | 10.15% | 0.98% | 3.04% | 0.39% | 0.00% |
| Q3 2024 | 10.20% | 1.02% | 3.19% | 0.36% | 0.02% |
| Q4 2024 | 9.67% | 0.23% | 3.24% | 0.64% | 0.02% |
| Q1 2025 | 9.79% | 1.18% | 3.34% | 0.72% | -0.00% |
| Q2 2025 | 9.79% | 1.20% | 3.47% | 0.62% | 0.01% |
| Q3 2025 | 9.93% | -1.59% | 4.13% | 0.38% | 0.04% |
| Q4 2025 | 8.56% | 1.61% | 4.34% | 0.61% | -0.01% |
| Q1 2026 | 8.94% | 1.59% | 4.20% | 0.97% | 0.01% |
| Q2 2026 | 9.01% | 1.60% | 4.30% | 1.39% | 0.01% |
Central Penn Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Penn Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Penn Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10685) · FFIEC NIC profile (RSSD 779016)